What is a Virtual Terminal?
A virtual terminal lets you complete transactions using your laptop without any hardware. It allows you to bill your customers remotely, over the phone or online.
No need to manually enter card details
Process transactions remotely
Accept payments without a POS terminal
With RapidCents Virtual Terminal, you can process transactions over the phone or by accessing your customers’ stored payment details. Plus, you can process payments online with your computer, fast and securely.
Get Started with the Virtual Terminal
Enjoy the convenience of accepting payments quickly and securely in 4 easy steps.
01.
Select stored customer info or enter card details manually
02.
Enter the transaction amount
03.
Choose the preferred payment method: Credit Card or ACH Payment
04.
Process the payment and send a receipt
Maximize Efficiency with Virtual Terminals
The RapidCents Virtual Terminal allows you to quickly and conveniently access stored customers and clients, enabling you to securely process payments remotely from your computer.

Experience the convenience of accessing it from any internet-enabled device.
It is an invaluable resource that guarantees uninterrupted sales operations.
Effortlessly process credit cards and bank transfers remotely with a few clicks.
Securely attach customer and invoice details to your payments.
Enjoy Savings with RapidCents ACH Payments
From the RapidCents Virtual Terminal, you can securely and conveniently accept direct bank transfers from vendors, clients, and other businesses. This payment method offers lower processing fees than credit cards, allowing you to maximize your profits. Transferring funds directly between bank accounts is fast and easy, so you can start receiving payments quickly and easily.
- Lowest Per Transaction Fees
- Lowest Processing Rates
- No Setup Charges
Security You Can Count On with Every Transaction
We safeguard your transactions and protect your card information from potential legal exposure and data breaches with advanced security measures such as data encryption and tokenization. Rest assured that your information is secure with us.
Free PCI Compliance
Secure your data with PCI Data Security Standards, free of charge for encryption, tokenization, and key management.
Built-in secure credit card
vault
Securely safeguard your customers’ credit card information in our state-of-the-art vault.
Advanced Fraud Protection
Protect your business from costly fraudulent transactions with RapidCents Fraud Defender.
Integrate Seamlessly for Smarter Payments
Our virtual terminal connects with your existing software, so you don’t have to change how you work, just enhance it.
Accounting Software
Stay updated on your finances with accurate, real-time reporting of your customer transactions.
CRM Software
Connect your customers’ payments to their profiles for better insights and analysis.
e-Commerce Platforms
Manage your inventory and sales better by syncing your payments to your online store.
Unlock More Ways to Get Paid
Need other features and payment options along with virtual terminals for your business?
RapidCents helps you set up all your payment methods and track every transaction on our platform.
Recurring Billing
Set up customized subscription plans and process payments at the due date.
Winning businesses and hearts
Testimonials
We have been rated as one of the best online payment solutions brands.
Reach out to us anytime. We’re here to listen and truly care about you and your business.
Get your queries answered
FAQs
RapidCents Virtual Terminal stands out with secure encryption, tokenization, PCI compliance, and an easy web-based interface—letting you process credit cards or ACH from any internet-enabled device without hardware. You benefit from a built-in credit card vault, advanced fraud protection (Fraud Defender), next‑day funding, and no hidden or setup fees.
Yes! RapidCents’ Virtual Terminal supports secure MOTO (Mail Order/Telephone Order) payments—allowing you to enter credit or ACH details manually via phone or email. It uses industry‑standard encryption, tokenization, PCI DSS compliance, and secure vault storage to ensure every transaction is safe—even without the card physically present.
RapidCents’ Virtual Terminal enables you to accept all major credit and debit cards—including Visa, Mastercard, American Express, and Discover—plus ACH bank transfers. It’s a fully web-based system, meaning you can process one-time or recurring transactions via phone, mail, or saved customer data. All handled securely in one dashboard, this flexibility supports credit/debit plus cost-saving ACH payments.
Yes. The platform uses end‑to‑end encryption and tokenization that prevents sensitive data from touching your system. It’s fully PCI DSS compliant and includes a secure vault, key‑management, and fraud protection through Fraud Defender—at no extra cost. Coupled with advanced DeepSeek AI fraud monitoring, it makes your virtual payments highly secure and compliant.
No hardware required—just an internet‑connected device and a web browser. The Virtual Terminal converts your computer, tablet, or smartphone into a payment terminal. You can process card‑present or card‑not‑present transactions, including phone orders, email invoices, and online sales, without POS equipment. It’s an economical, flexible solution that enables payments from virtually anywhere.
Absolutely. The system supports recurring payment and subscription billing. You can store customer card data securely in the vault and set up automatic charges on defined schedules. It even handles reminders—so subscription payments are processed without manual input. Combined with next‑day funding, this makes subscription management fast, reliable, and fully PCI‑compliant.
Yes. Administrators can create multiple user logins with customizable roles and permissions. Each user’s activity is tracked separately, which simplifies team-based order entry, reconciliation, and reporting. Ideal for back-office or multi-operator environments, this setup ensures secure, auditable access control across your organization.
RapidCents offers next‑day funding on Virtual Terminal transactions, meaning funds are generally deposited into your bank account by the following business day. This fast funding accelerates your cash flow cycle, especially beneficial for small businesses needing quick access to revenue.
Yes. From the dashboard, you can generate and send invoices, quotes, or payment links via email. Customers simply click a secure link to pay online. These payments then auto-sync with your terminal and reporting tools. This integrated workflow makes MOTO, remote payments, and reconciliation effortless.
RapidCents applies robust fraud protection, including data encryption, tokenization, a secure vault, and access to Fraud Defender. It incorporates DeepSeek AI with real-time risk scoring and machine learning to flag suspicious activities. This layered approach minimizes chargebacks and keeps your business secure, backed by PCI-compliant infrastructure.